IT'S A USER PAYS WORLD. THEY SAY ATM'S ARE BEING USED LESS OFTEN BUT, THEY REMOVED THEM FIRST. THEY SAY LESS PEOPLE GO INTO BANKS, AGAIN, THEY ARE CLOSING MORE BRANCHES. THEY ARE MANIPULATING US INTO DOING BUSINESS THE WAY THEY WANT, NOT TO SAVE MONEY BUT TO MAKE MORE PROFIT. IT'S PURE GREED